I had VPI and the same experience with no pay or little pay. I have three shelties. I switched to ASPCA. After speaking to their representative for a long time he explained how they figure the charges and it definitely is better done this way than the way the others do it. Getting a check for $10 for a $200 bill is something I didn't like after the cost of the insurance. My oldest also has lyme disease and after one antibiotic treatment which was not enough, VPI turned all the subsequent treatments down and didn't pay anything. Rip off.
Age of Pet